Commercial Finance: How UK Business Loans Protects Your Data and Who We Share It With

Summary: Need commercial finance — for example construction business loans or sustainability business loans? UK Business Loans helps match limited companies and SMEs to suitable lenders and brokers for funding of £10,000 and up. We only collect the information needed to find the right match, share it with selected partners and processors as necessary, and protect it using industry-standard security measures. Submitting an enquiry is not an application and does not affect your credit score. Ready to see options? Get Quote Now — Free Eligibility Check.

Quick answer — Will UK Business Loans share my data?

Short answer: yes — but only to find and match you with appropriate lenders or brokers and to operate our service. We never sell your data for marketing lists. Your enquiry is shared only with selected partners and processors who help deliver finance quotes, fraud prevention, or legally required services. Submitting an enquiry is not a loan application and will not, on its own, affect your credit score. Get a Free Eligibility Check.

Why we need your information for Commercial Finance enquiries

To match your business to the right providers for commercial finance — whether you need funding for construction contracts, asset purchases, or sustainability upgrades — we need accurate details about the business and the funding requirement. The better the information you provide, the quicker and more accurately we can match you to lenders and brokers that specialise in your sector and deal size.

What details we typically collect

• Company name, registration number and trading address
• Contact name, role, phone number and email
• Type of finance required (e.g., asset finance, development finance, commercial loans)
• Loan or facility amount (typically £10,000+)
• Brief description of purpose (construction contract, sustainability project, equipment purchase)
• Basic financials: turnover, profitability, time trading (high-level)
• Security offered (property value, assets) and contract sizes where relevant
• Consent and marketing preferences

Why each piece matters for matching

• Company and contact details: to route quotes and for KYC if a lender proceeds.
• Amount & purpose: to select lenders/brokers who specialise in your segment (e.g., construction business loans, sustainability business loans).
• Financials & security: to identify appropriate products and likely eligibility bands.
• Consent flags: to respect your marketing choices and lawful data use.

Who we may share your information with

We only share your enquiry data where it is necessary to arrange introductions, provide the service you requested, or comply with legal obligations.

Trusted lenders and brokers

Your details may be passed to selected lenders and brokers who can provide quotes for the finance you’ve requested. We select partners based on suitability for your sector and loan size. When we pass your details, we include only the information needed to obtain a quote.

Third‑party processors

We use third‑party service providers to operate the website and manage leads: CRM systems, secure email, analytics, hosting providers and payment processors (if applicable). These processors act under contract and may only process data per our instructions.

When we may share with other parties

• Legal or regulatory obligations (court orders, fraud investigations).
• To prevent or detect fraud and abuse.
• Acquisition or business restructuring — we will notify you if ownership changes and explain data implications.

Legal basis for sharing (GDPR & UK Data Protection)

We process personal data on lawful grounds under UK data protection law. Depending on the activity, our legal bases include:

• Consent: when you submit the enquiry form you consent to us sharing your details with selected lenders/brokers to obtain finance quotes.
• Contractual necessity: where sharing is required to perform the service you request (matching and introductions).
• Legitimate interests: for internal administration, fraud prevention and improving our matching algorithms (balanced against your rights).

You can withdraw consent at any time; that will not affect processing already completed under another lawful basis. To withdraw consent, contact dataprotection@ukbusinessloans.co.

How your data is protected — security measures we use

Protecting your information is a core responsibility. We apply multiple technical and organisational safeguards to reduce risk and to keep your enquiry secure while it’s in our systems and when shared with partners.

Technical safeguards

• Secure transmission: the website uses TLS/HTTPS so data is encrypted in transit between your device and our servers.
• Encryption at rest: sensitive stored data is protected using industry-standard encryption (for example, AES‑256) on our servers and backups.
• Access controls: multi-factor authentication (MFA) for staff accounts where supported, strong password policies, and session timeouts.
• Regular backups and secure hosting with patching and vulnerability management.

Organisational safeguards

• Strict role-based access (least privilege): staff only access the data they need to do their job.
• Employee vetting and confidentiality obligations in contracts.
• Regular staff training on data protection and phishing awareness.

Vendor controls & audits

We contractually bind processors to protect data. Providers must meet security standards, restrict sub-processing and notify us of breaches. We carry out risk assessments and may review providers’ security certifications and audit reports where appropriate.

Monitoring & response

We log access and system events and operate an incident response plan. If a security incident affects your data, we will follow notification obligations and inform affected parties promptly.

Data retention and deletion

We retain enquiry data only as long as needed to fulfil the matching service and for legitimate business and legal reasons (for example to resolve disputes, detect fraud, or comply with tax and corporate recordkeeping rules). Typical retention: until matches are completed and for a defined statutory period thereafter. If you want your data removed sooner, request deletion at dataprotection@ukbusinessloans.co and we will assess the request and act where lawful.

How we use cookies & analytics

We use essential cookies to operate the service and optional cookies for performance and marketing. Analytics cookies help us understand site use and improve the experience. You can manage cookie preferences via our cookie banner and read more in our privacy policy. You can opt-out of non-essential tracking at any time.

Your rights & how to exercise them

You have statutory data rights under UK data protection law. These include:

• Right to access the personal data we hold about you (Subject Access Request).
• Right to rectification if data is inaccurate.
• Right to erasure (“right to be forgotten”) in certain circumstances.
• Right to restrict or object to processing, and right to data portability.
• Right to withdraw consent for marketing at any time.

To exercise any right, email dataprotection@ukbusinessloans.co with details and proof of identity. We will acknowledge your request and usually respond within one month. Complex requests may take longer — we will keep you informed.

What happens after you submit an enquiry — the matching process explained

Step-by-step:

1. You submit a short enquiry on our form (this is not a loan application).
2. We use the details to find lenders or brokers who may be able to help and pass your enquiry to those partners with your consent.
3. Selected partners contact you directly to discuss options and, if you progress, they may request more documents and carry out credit checks themselves as part of an application.

Important: UK Business Loans does not perform credit checks on you as part of the enquiry. Only lenders/brokers may perform checks when you choose to proceed with them. There is no obligation to accept any offer. Our aim is to provide a free, quick eligibility check and to connect you to relevant providers who can deliver a tailored quote.

Frequently asked questions (short answers)

Will submitting an enquiry affect my credit score?

No — an enquiry with UK Business Loans does not affect your credit score. Lenders or brokers may perform checks only if you proceed with an application.

Who are your lender partners — are they regulated?

We work with a panel of lenders and brokers in the UK. Regulation varies between providers; you should confirm any regulatory status directly with the provider that contacts you.

Can I opt‑out of marketing after enquiring?

Yes. You can unsubscribe from marketing at any time via the link in emails or by contacting dataprotection@ukbusinessloans.co.

How quickly will I be contacted?

Often within hours during business periods, sometimes within minutes. Response times vary by partner and the complexity of the request.

Ready to get a free commercial finance quote?

If you need funding for construction projects, sustainability upgrades, asset purchases or other commercial purposes, start your quick enquiry now. It takes just a few minutes and is not a loan application — it only helps us match you with the right lenders or brokers. Get Quote Now — Free Eligibility Check

Contact & complaints

If you have questions about data handling or wish to make a complaint, contact our data protection team:

• Email: dataprotection@ukbusinessloans.co
• Phone: +44 20 0000 0000
• Address: UK Business Loans, [Registered Address]

We aim to resolve complaints quickly. If you remain dissatisfied after our internal process, you have the right to raise concerns with the UK Information Commissioner’s Office (ICO).

Helpful links: Home • Privacy Policy • Terms • About Us • Lenders & Brokers • FAQ • Contact

Need commercial finance tailored to your business? For more on specialised solutions for property and business investment, learn about our commercial finance options for development and projects on our commercial finance page and then Get Quote Now.

– How do I apply for a UK business loan through UK Business Loans?
Complete the short online enquiry (not a formal application) and we’ll match your business to suitable lenders or brokers who will contact you with options.

– Will submitting an enquiry affect my business credit score?
No — submitting an enquiry with UK Business Loans does not affect your credit score; lenders or brokers may perform credit checks only if you choose to proceed with an application.

– What types of commercial finance can you help me find?
We can match you to providers for business loans UK, commercial finance, asset finance, invoice finance, development finance, vehicle and equipment finance, cashflow lending and sustainability business loans.

– How much can I borrow through the lenders you work with?
Our partners typically offer funding from around £10,000 up to multi‑million commercial finance facilities, depending on the lender and your needs.

– Can start-ups or businesses with limited trading history apply?
Yes — many lenders and brokers on our panel specialise in start‑ups and limited trading businesses, though eligibility criteria vary by provider.

– Can I get business finance if I have bad credit?
Potentially — some lenders specialise in applicants with imperfect credit histories and we’ll try to match you to those suitable options.

– How quickly will I receive quotes or contact from lenders?
You’ll often be contacted within hours (sometimes minutes) during business periods, though response times depend on the partner and complexity of your enquiry.

– What documents will lenders typically ask for when I progress an application?
Lenders usually request company details, recent bank statements, turnover figures, proof of ID for directors, and any security or contract documentation relevant to the loan.

– Are your lender and broker partners regulated and trustworthy?
We work only with reputable lenders and brokers — many are FCA‑regulated — but you should confirm regulatory status and terms directly with any provider that contacts you.

– How does UK Business Loans use and share my personal and business data?
We only collect the information needed to match you with appropriate lenders and brokers, never sell your data, share it with selected partners/processors under contract, and protect it with industry‑standard security.